There are many variables that may determine whether you would have coverage. If you are renting a car for business use, you have no coverage under your personal N.C. auto insurance policy and should purchase the insurance the rental company extends.

However, if you rent a car and have comprehensive/collision coverage on any car under your N.C. auto insurance policy, there is coverage afforded less any applicable deductibles.

Keep in mind that “loss of use” is not covered while the rental car is being repaired and the rental company may hold you responsible for the time it is in the shop being repaired since the rental company can’t rent that car for the time period it is being repaired.